商业长期护理保险的全球趋势及其思考  

The Global Trends of Private Long-term Care Insurance and Thoughts about China

作　　者：戴卫东[1] 

机构地区：[1]浙江财经大学公共管理学院,杭州310018

出　　处：《中国医疗保险》2016年第10期64-68,共5页China Health Insurance

基　　金：国家社会科学基金项目"人口老龄化与老年人长期护理服务体系建设研究"(批准号:14BSH126)的研究成果

摘　　要：二十世纪五十年代以来,全球人口老龄化凸显出快速高龄化的现象,老年长期护理成为重大的社会风险,一些OECD发达国家纷纷诞生了商业性质的长期护理保险。但长期以来,商业长期护理保险的市场份额一直狭小。究其原因,与商业保险本质、产品风险、国民刚性消费以及公共长期护理制度的挤占有很大的关系。近几年,商业长期护理保险市场出现了雇主人力资源的新战略、公私合作和保险产品创新等新动向,但仍处于缓慢前行的状况。鉴于中国国情,率先全面发展商业长期护理保险的条件不具备,优先建立社会化长期护理保险制度、辅之以商业护理保险是明智的抉择。Since 1950s, the global population has been rapidly aged. Due to the long-term care market opportunities for the elderly population, the private long-term care insurance in some OECD developed countries has been established. But for a long time, the share of long-term care insurance market is limited. The reason is greatly related to the nature of private insurance, product risk, national rigid consumption and being pushed out by public long-term care system. In recent years, a new strategy of employer human resources, and a new trend of public- private cooperation and insurance product innovation has occurred in private long-term care insurance market. However, it is difficult to change the slow pace. Research shows that the comprehensive development of private long-term care insurance is not suitable for current conditions of China, and preferentially establishing socialized long-term care insurance system supplemented by commercial nursing care insurance is a wise choice.

关 键 词：商业保险 长期护理保险 市场份额 长期护理制度 

分 类 号：F842.6[经济管理—保险]